Built for business
Keep your business moving with smart asset finance
Asset finance structured around your business cash flow and tax efficiency.
Finance that respects your cash flow
No two businesses run the same. We structure finance around how yours earns - not around a template.
Built around your cash flow
Repayments structured to match how money actually moves through your business - including seasonal patterns, if that's your reality.
One ute or a whole fleet
From a single work vehicle to staged fleet purchases, we arrange facilities that grow with the job list.
A commercial lending panel
We compare business lenders against each other so your finance is priced competitively - not just conveniently.
Structures with tax in mind
Loan, lease or hire purchase each carry different tax and ownership treatment. We map the options so you and your accountant can pick well.
New businesses considered
Trading for less than a year? Lenders look harder, but options exist - we'll tell you honestly what's realistic for where you're at.
Speed when it matters
When a machine dies or a contract lands, waiting costs money. We move applications fast and keep you in the loop throughout.
What can you finance?
We arrange commercial finance across a wide range of business assets, including:
- Work utes and vans
- Trucks and trailers
- Fleet vehicles
- Taxis, couriers and delivery vehicles
- Plant and machinery
- Refrigerated and specialist vehicles
- Tools and equipment
- Sole-trader purchases
If it helps your business earn, it's worth asking us about.
How commercial finance works
Your business acquires the vehicle or equipment now and pays for it over an agreed term, keeping working capital free for the day-to-day.
The structure matters as much as the rate. A secured loan, finance lease and hire purchase each treat ownership, GST and deductions differently - the right choice depends on how you'll use the asset and how your business is set up.
We'll lay the options out in plain language. Before signing, run the tax treatment past your accountant - we're happy to talk it through with them directly.
Our application process
Four straightforward steps from first enquiry to funds in hand.
Frequently asked questions
The things people most often ask about commercial fleet.
Who can apply for commercial finance?
Sole traders, partnerships and registered companies. The paperwork differs a little by structure, and we tailor the application to yours - including how long you've been trading.
What's the difference between a lease and hire purchase?
Broadly: with hire purchase you own the asset once the final payment is made; with a lease the financier owns it while you pay to use it. Each treats GST, deductions and the balance sheet differently - we'll explain both, and your accountant can confirm what suits your business.
My business is new. Can I still get finance?
Sometimes. With a short trading history, lenders lean more on your deposit, the asset's value and your personal credit record. We'll give you an honest read on what's achievable rather than setting you up for a decline.
Can repayments follow my seasonal cash flow?
Some lenders offer structured repayments that flex with your season - heavier when revenue is strong, lighter in the quiet months. If your industry runs in cycles, tell us and we'll target lenders who accommodate it.
Can I finance several vehicles at once?
Yes - single assets, multiple vehicles or a facility for staged purchases as the fleet grows. We'll structure it around your plans rather than one-off transactions.
What documents will my business need?
Typically ID for the owners, business bank statements, and financial statements where available. Newer businesses may be asked for forecasts or contracts in hand. We'll confirm the exact list before anything is submitted.
Finance options built around you
Not quite what you're after? Every option below comes with the same simple application and the same team behind it.
- Car loansFast approvals for new or used vehicles. We negotiate with our lender panel to find the structure that fits your cash flow.
- Personal loansFunding for renovations, weddings or unexpected expenses - with transparent terms and no surprises.
- Debt consolidationSimplify multiple repayments into one manageable loan, often reducing the overall interest you pay.
- Marine & RVSpecialist funding for the lifestyle assets that make the weekends count.
- InsuranceProtection for your vehicle, your finance and the road ahead. Explore insurance options for private and commercial vehicles, mechanical breakdowns and more.
Ready to talk commercial fleet?
Apply online today or speak with our team - send us a few details and we'll come back with options that fit your budget, usually within one business day.